Applicants are asked a number of health questions on the application form.

Is a medical required to qualify for insurance?

Based on the medical history of you or your family, coverage may be declined, modified or given a higher premium.

Your policy provides details about this clause.

Emergency travel medicalcoverage contains a 9-month pre-existing conditions clause.

When the baby is born, simply contact Sun Life Financial within 30 days of the birthĪnd the baby can be added to your plan for a small, additional premium. TheĬovered length of hospital stay will be limited to 2 days.

If you make your application during your first 20 weeks of pregnancy, you’re eligible to apply for semi-private hospital coverage.

Any unused portion may not be carried forward for use in subsequent years.

Annual maximums are based on a calendar year.

All annual or lifetime maximums are per person.

Dependants must be under the age of 21 or under the age of 25 if they are in school full-time.

If you are applying as a couple or family then you must choose the same plan and options for everyone.

Anyone who is 69 years of age or less, is a resident of Canada, and is covered under the provincial health plan in their province of.

When do benefits begin and when are customers eligible to claim?.

Is a medical required to qualify for insurance?.

If you have questions please call us at 1-80, or email usĪt Table of Contents General Information Actual terms and conditions for the Sun Life personal health insurance plan are detailed in the policy issued upon application approval. The other thing to consider when you are trying to make the most out of your dental insurance is to take advantage of the free six month checkup and cleaning.Sun Life Personal Health Insurance: Plan Details With this information, our team of experts can help you strategically use your benefits to their max. This is when we call Sun Life Financial directly to inquire about your coverage, find out how much you have left to reach your annual maximum, and other important details. When you visit our dental office with Sun Life Financial dental insurance, we will first perform a verification of benefits to learn the particulars of your plan. An in-network dentist, though, allows you to come and go without any unexpected fees.

An out-of-network dentist will require you to pay for the total cost of your treatments out of pocket and wait for a reimbursement to come weeks or months later. This way, you know you are receiving your full coverage right off the bat.

The most important step in maximizing your dental insurance benefits is visiting an in-network dentist.

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